Privacy Policy

This Privacy Policy explains how the Association of Pension Trustees and Administrators of Kenya ("APTAK") and Kenbright ("we", "us", or "our") collect, use, store, and protect personal information processed through the PRMF Premium Calculator.

The calculator provides indicative premium calculations for Post-Retirement Medical Fund (PRMF) contributions based on age, benefit option, and family size.

This policy applies to information you provide directly in the calculator and technical data generated when you access the application.

Quote inputs: We process the information you enter to generate quotes, including age, benefit option, and family size.

Technical and session data: We may process IP address, browser type, device information, access logs, and session identifiers needed to operate and secure the application.

We do not require user accounts or collect personal identification information such as names or email addresses to use the calculator.

To calculate indicative PRMF premiums based on the information you provide.

To secure the application, troubleshoot errors, monitor misuse, and maintain service availability.

To meet legal, regulatory, audit, and record-keeping obligations applicable to APTAK and Kenbright.

With technology service providers engaged to host, secure, and support the application, subject to appropriate confidentiality and security controls.

With authorized APTAK and Kenbright personnel who need access to administer the calculator, support users, or investigate incidents.

With regulators, law-enforcement agencies, courts, or other public authorities where disclosure is required by law or is necessary to protect rights, security, or the integrity of the service.

We do not sell personal information collected through this calculator.

APTAK and Kenbright use reasonable administrative, technical, and organizational controls to protect information processed through the calculator.

- Encryption of data in transit over network connections

- Logging, monitoring, and operational safeguards to detect misuse or unauthorized activity

- Managed infrastructure and database controls provided through authorized service platforms

No internet-based system can be guaranteed to be completely secure, but we work to reduce risk and respond appropriately to security incidents.

We retain technical data for as long as needed to operate the calculator, maintain audit trails, resolve disputes, and satisfy legal or regulatory requirements.

Retention periods may vary depending on the nature of the record, the sensitivity of the data, and applicable operational or statutory obligations.

When information is no longer required, we will delete, anonymize, or otherwise dispose of it in line with applicable retention controls.

Subject to applicable law, including the Kenya Data Protection Act, 2019, you may have the right to:

- Request access to personal data held about you

- Request correction of inaccurate or incomplete personal data

- Request deletion of data where retention is no longer necessary or legally required

- Object to or restrict certain processing in appropriate circumstances

- Raise a complaint with the Office of the Data Protection Commissioner where applicable

To exercise a privacy right in relation to this calculator, contact us using the details below.

The calculator may rely on essential browser storage or session mechanisms required to protect your session and remember application state during use.

This application is intended to use only the technical session mechanisms needed to operate core features.

If your browser blocks essential session storage, some features may not work correctly.

This calculator is intended for adults using PRMF-related services and is not designed for children.

Users must be at least 18 years old to use the calculator.

APTAK and Kenbright may update this Privacy Policy to reflect changes to the calculator, legal requirements, security practices, or operational processes.

When material changes are made, we will update the "Last Updated" date on this page and may provide additional notice through the application where appropriate.

You should review this page periodically to remain informed about how information is handled.

If you have questions about this Privacy Policy or the PRMF Premium Calculator, please contact:

Association of Pension Trustees and Administrators of Kenya (APTAK)

Email: admin@aptak.or.ke

Tel: +254 757 770217

Website: www.aptak.or.ke

Developed and maintained by Kenbright

Email: robin@kenbright.ai

For statutory data-protection complaints, you may also contact the Office of the Data Protection Commissioner of Kenya.